Life Insurance No Medical

No Physical Exam Life Insurance

You, of course, want to buy some life insurance no medical exam as this
is the easier way to buy your policy.

No medical Life insurance may be
the way for you to go. It is quick and easy.

I was recently asked if life insurance costs more
on the Internet than it would cost to have an agent come and explain
the policy then complete the application.

I answered no it would not
cost more. Life insurance companies know beforehand how many people at a given age will die in a particular year.

Premiums for life insurance
cost no more if you buy it on the Internet with no physical exam than
it would cost if you bought it from an agent who came to see you.

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Life Insurance No Medical Required

I have seen articles that suggest that buying life insurance without doing a medical
costs more than policies you buy and you have to do a medical. Nothing
could be further from the truth.

I want to recommend that you give the life insurance companies
a little credit. No health check, or no exam, life insurance is nothing
new. Life insurance companies have been doing this for young people for
a very long time.

Their experience has taught them that life insurance
no medical needed is a very profitable way for the company to do
business. They eliminate a lot of the expenses that come with issuing a
policy. It is even less costly when done online.

People are taking better care of themselves today and as a
result are living much longer. Some life insurance companies will issue
policies through an online application to people up to age 65

People assume when you buy a no medical life policy
online that the carriers are taking a greater risk than they normally
would. Let me put you at rest, they are not.

We are living in what is
fondly referred to as the information age. With all the available
technology you would be surprised at what a life insurance company can
find our in 15 minutes.

In addition
to all that the incontestability clause built into a life insurance
policy protects the life insurance companies. If you choose to try to
deceive them you are wasting your time as they can contest the policy
within a specific period of time...usually 2 years.

So whether you want to call it life insurance with no medical or no exam life insurance it is pretty safe to buy it online. This is really the convenient way to go unless you are buying a very large life insurance policy.